Maximizing Your Social Security Benefits
Deciding when and how to maximize your Social Security benefits is one of the most important decisions that people have to make. Social Security is...
Avoiding Probate Isn’t Hard or Necessary
Articles about estate planning tend to put a great deal of focus on avoiding setting up your assets in such a way that your beneficiaries...
Retirement Plans and Employment – The Separation
In my previous article, Why Retirement Plans Need to be Separated from Employment, I suggested that Congress increase the IRA contribution limits to the same level...
Fixing ERISA to Protect Against High Plan Fees
The Employees Retirement Income Security Act (ERISA) was created to protect and promote the interests of pension plan participants and their beneficiaries. Unfortunately, ERISA, in...
Making an IRA Part of Your Estate Plan
I’m a big proponent of making IRA’s part of your estate plan. They have many attributes a person can utilize when planning for the inevitable....
Why Retirement Plans Need to be Separated from Employment
In light of the Hobby Lobby decision and the discussion of employer benefits, it seems appropriate to address the merits of employer provided retirement plans. ...
TDF risks to your Retirement Savings
We each have only one life path, and we each prepare differently for retirement. Despite claims that investments rule, the most important aspect of our...
Obamacare Increases Your Need to Plan for Retirement
The number one reason Americans file for personal bankruptcy is medical expenses. And, Obamacare just increased this risk for millions of Americans who may not...
Short-termism and Constant Expected Investment Returns
Individuals have come to believe that they should expect 10% returns. Why shouldn’t they, given the recent strong returns over the last 5 years? Nonetheless,...
The 401k Retirement Challenge
When the tax code was changed years ago to include the 401k, companies moved away from offering of pensions, hence letting individuals manage their own...
